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| file | filename |
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| EX-31.1 - EX-31.1 - MUFG Americas Holdings Corp | a2197148zex-31_1.htm |
| EX-24.2 - EX-24.2 - MUFG Americas Holdings Corp | a2197148zex-24_2.htm |
| EX-24.1 - EX-24.1 - MUFG Americas Holdings Corp | a2197148zex-24_1.htm |
| EX-31.2 - EX-31.2 - MUFG Americas Holdings Corp | a2197148zex-31_2.htm |
| EX-32.1 - EX-32.1 - MUFG Americas Holdings Corp | a2197148zex-32_1.htm |
| EX-23.1 - EX-23.1 - MUFG Americas Holdings Corp | a2197148zex-23_1.htm |
| EX-32.2 - EX-32.2 - MUFG Americas Holdings Corp | a2197148zex-32_2.htm |
| 10-K - 10-K - MUFG Americas Holdings Corp | a2197148z10-k.htm |
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Exhibit No. 12.1
UnionBancal Corporation and Subsidiaries
Computation of Ratio of Earnings to Combined Fixed Charges Requirements
| |
For the Years Ended December 31, | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| (In millions, except ratios) | 2005 | 2006 | 2007 | 2008 | 2009 | |||||||||||||
EXCLUDING INTEREST ON DEPOSITS |
||||||||||||||||||
Income (loss) before income taxes and effect of accounting changes |
$ | 1,090 | $ | 1,044 | $ | 868 | $ | 412 | $ | (226 | ) | |||||||
Fixed Charges: |
||||||||||||||||||
Interest expense, excluding interest on deposits |
83 | 194 | 278 | 288 | 132 | |||||||||||||
One third of rents, net income from subleases (A) |
15 | 13 | 15 | 16 | 19 | |||||||||||||
Total fixed charges |
98 | 207 | 293 | 304 | 151 | |||||||||||||
Earnings before taxes, fixed charges, and effect of accounting changes, excluding capitalized interest |
$ | 1,188 | $ | 1,251 | $ | 1,161 | $ | 716 | $ | (75 | ) | |||||||
Ratio of earnings to fixed charges requirements |
12.12 | 6.04 | 3.96 | 2.36 | (0.50 | ) | ||||||||||||
INCLUDING INTEREST ON DEPOSITS |
||||||||||||||||||
Fixed charges |
$ | 98 | $ | 207 | $ | 293 | $ | 304 | $ | 151 | ||||||||
Add: Interest on deposits |
303 | 649 | 991 | 639 | 408 | |||||||||||||
Total fixed charges including interest on deposits |
$ | 401 | $ | 856 | $ | 1,284 | $ | 943 | $ | 559 | ||||||||
Earnings before taxes, fixed charges, and effect of accounting changes, excluding capitalized interest, as above |
$ | 1,188 | $ | 1,251 | $ | 1,161 | $ | 716 | $ | (75 | ) | |||||||
Add: Interest on deposits |
303 | 649 | 991 | 639 | 408 | |||||||||||||
Total earnings before taxes, fixed charges, effect of accounting changes, and interest on deposits |
$ | 1,491 | $ | 1,900 | $ | 2,152 | $ | 1,355 | $ | 333 | ||||||||
Ratio of earnings to fixed charges requirements |
3.72 | 2.22 | 1.68 | 1.44 | 0.60 | |||||||||||||
- (A)
- The proportion deemed representative of the interest factor.
UnionBancal Corporation and Subsidiaries Computation of Ratio of Earnings to Combined Fixed Charges Requirements